Introduction
In the wake of the COVID-19 pandemic, businesses across the globe faced unprecedented challenges that necessitated rapid adaptation and transformation. A prominent micro lending firm was no exception, as it sought to transition from traditional brick-and-mortar operations to a fully digital platform. This case study outlines the development and implementation of an AI-based Risk Adjudication System (RAS) designed to automate and streamline the process of loan decision-making, facilitating the firm’s shift to digital operations.